Debt
collection
Both
state and federal laws protect consumers from unfair debt collection
practices.
Debt
collection by telephone
Debt collection by mail
Can I stop a collection agency from contacting
me?
Harassment by collection agencies
Debt collection by telephone
A
debt collector may contact you by phone only at convenient times
- that is generally interpreted to mean between 8:00 a.m. and
9:00 p.m.
Debt
collection by mail
Your
financial affairs are private. A collection agency may not communicate
with you by postcard, because then anyone could read the message.
An
envelope from a collection agency must contain neither language
nor symbols to indicate that the communication relates to the
collection of a debt.
Can
I stop a collection agency from contacting me?
If
you do not want the debt collector to contact you at all, you
can simply:
Notify
them in writing that you refuse to pay; or
Notify them in writing that you want them to stop all further
communication; or
Notify them of the name of your lawyer and tell them to communicate
only with your lawyer.
